Let me share a situation I recently encountered. It’s not uncommon, and if you’re a parent with young children, you might find yourself thinking the same way. I met a client, let’s call him Mr. L. His wife had passed away, and he’s now raising two children aged 13 and 14 on his own. Understandably,...
Recently, I met a client in a very common yet delicate situation. He is married, has no children, and lives with his wife and his 65-year-old mother in a bungalow in Puchong. It’s a beautiful home — not just in structure, but in meaning. The house originally belonged to his late father, who left it...
1｜No One Understands a Special Child the Way a Parent Does Caring for a special child is not something the world can easily imitate. Parents read tiny signs—an unusual breath, a sudden stiffness, a soft sound only they understand. To others, these signals look like puzzles; to parents, they are a language. But one truth...
Why Should Parents Plan Early for Their Children? Because your time with them is limited, but life’s risks do not wait for you to be ready. Most parents work tirelessly to give their children the best start in life. We buy education policies, medical cards, life insurance. We save for university. We choose the right...
I want to share something very close to my heart. Over the years, I’ve sat with many parents — some relieved after making their plans, some heartbroken because they didn’t. And if there’s one thing I’ve learned, it’s this: planning for our children isn’t just about money. It’s about love, security, and peace of mind....
I know this isn’t something we like to think about, but let’s be honest: life is unpredictable. If something were to happen to us, who would take care of our children? It’s not just about money or assets — it’s about love, stability, and the values we want our children to grow up with. Most...
A few weeks ago, I stumbled across the 38 Letters of John D. Rockefeller to His Son. These weren’t ordinary letters. They were filled with advice, reflections, and values that one of the world’s wealthiest men wanted to pass down to his child. As I read through them, I couldn’t help but imagine what...
The other day, I watched a little boy tell his mother with sparkling eyes, “When I grow up, I want to be rich!” His mother smiled and asked, “And how will you do that?” The boy shrugged, “Easy. I’ll get your money when you’re gone.” It was an innocent remark, but it made me stop...
A Coffee Chat That Changed My Perspective Not long ago, I sat down with my old friend Mr. Tan at a café in Damansara. Over a hot cup of kopi, he confided something that many parents secretly worry about: “What will happen to my children’s education if I’m not around one day?” ...
Not long ago, a close friend of mine shared a heartbreaking story. Her uncle, a hardworking businessman in Penang, had always provided well for his family. He had a life insurance policy worth RM1 million, and when he passed away suddenly, everyone thought, “At least his children are secure.” But what happened next shocked the...
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